Car insurance in Illinois (25/50/20)
- Minimum car insuranceIllinois requires at least $25,000 bodily injury per person, $50,000 per accident and $20,000 property damage. Uninsured motorist bodily injury coverage of at least $25,000/$50,000 is automatically included in every liability policy. PIP is not required. Source
- Fault systemIllinois is an at-fault (tort) state: the driver who causes a crash is responsible for the resulting injuries and property damage. Source
Business insurance rules in Illinois
- Workers’ compensationAlmost every employer must carry workers' compensation, even with only one part-time employee. Businesses in extra-hazardous work such as construction must have coverage. Illinois is not monopolistic and does not allow opting out; employers insure privately or get Commission approval to self-insure. Source
- Contractor licensingIllinois has no statewide general contractor license, so general contracting is licensed locally. Roofing contractors are licensed by the Department of Financial and Professional Regulation and must post a surety bond ($10,000 limited or $25,000 unlimited), carry liability insurance of at least $500,000 bodily injury and $250,000 property damage, and show workers' compensation coverage. Source
Home insurance in Illinois
- Home insurer of last resortThe Illinois FAIR Plan offers basic property and homeowners coverage to people who cannot get it in the voluntary market, and insurers that cancel or nonrenew must tell the insured they may be eligible. Severe thunderstorms with hail, high wind and tornadoes are the main catastrophe exposure for Illinois homes. Source
Disasters, floods, hail, tornadoes and earthquakes in Illinois
| Measure | Illinois | Rank among the states | Detail |
|---|---|---|---|
| Federal major disaster declarations since 2000 | 23 | #32 of 51 | Most often for severe storm (13), flood (6), tornado (2). Pike County has been in 9 of them. |
| National Flood Insurance Program claims, 2005–2025 | 21,860 | #15 of 51 | $385.9 million paid; 25% of claims with a known flood zone were outside FEMA’s high-risk zones. |
| Homes in high-risk flood zones with a federal flood policy | 22% | #28 of 50 | 12,648 policies for 57,540 homes in the counties FEMA can measure; US: 40%. |
| Hail reports, 2016–2025 | 2,878 | #10 of 51 | 196 of them 2 inches or larger. Largest stone 6.6 inches, Kankakee County, March 2026. |
| Tornadoes, 2016–2025 | 760 | #4 of 51 | 61 rated EF2 or stronger; 3,149 recorded since 1950. |
| Earthquakes of magnitude 4.0+, 2000–2025 | 4 | #19 of 51 | Largest: magnitude 5.2, 7 km NNE of Bellmont, Illinois, April 18, 2008. |
From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.
Look up the storm history of any county in Illinois.
Worth knowing in Illinois
Illinois has long been one of only two states (with Wyoming) that did not regulate auto and homeowners insurance rates. In August 2026 the governor signed SB 714 and HB 4273, which let the Department of Insurance review and reject excessive auto and homeowners rates starting July 1, 2027.
Illinois’s insurance regulator
Insurance in Illinois is regulated by the Illinois Department of Insurance, which handles consumer complaints and licenses insurers and agents.
Sam Alishahi holds a nonresident insurance producer license in Illinois (NPN 21022298), so requests from Illinois are handled by him directly.
Common questions
What is the minimum car insurance in Illinois?
Illinois requires at least $25,000 bodily injury per person, $50,000 per accident and $20,000 property damage. Uninsured motorist bodily injury coverage of at least $25,000/$50,000 is automatically included in every liability policy. PIP is not required.
Is Illinois a no-fault state?
Illinois is an at-fault (tort) state: the driver who causes a crash is responsible for the resulting injuries and property damage.
Do employers in Illinois need workers’ comp?
Almost every employer must carry workers' compensation, even with only one part-time employee. Businesses in extra-hazardous work such as construction must have coverage. Illinois is not monopolistic and does not allow opting out; employers insure privately or get Commission approval to self-insure.
What can a Illinois homeowner do if no insurer will write the house?
The Illinois FAIR Plan offers basic property and homeowners coverage to people who cannot get it in the voluntary market, and insurers that cancel or nonrenew must tell the insured they may be eligible. Severe thunderstorms with hail, high wind and tornadoes are the main catastrophe exposure for Illinois homes.
Sources
- Illinois: Minimum car insurance
- Illinois: Fault system
- Illinois: Workers’ compensation
- Illinois: Home insurer of last resort
- Illinois: Contractor licensing
- Illinois: insurance regulator
General information as of October 2026, not legal advice; confirm current rules with the agency.